Category: Whitepaper

Explore all articles related to the Whitepaper category: projects, expertise, innovations, and key highlights from the group in Morocco and internationally.

  • Category: Whitepaper

    Open Banking in North America: From Access to Impact

    Open Banking in North America is evolving from an environment dominated by unregulated data collection towards structured, API-driven models that enable secure data sharing, regulatory alignment and new business value. As consumer expectations shift towards connected, real-time financial services, API‑first Open Banking is increasingly central to enhanced customer experiences, Banking‑as‑a‑Service models and long-term competitiveness, despite ongoing regulatory review.

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  • Category: Whitepaper

    Cards-as-a-Service: How Banks Can Transform Card Operations

    Cards remain the preferred payment method across Europe, but issuer expectations and market dynamics are rapidly evolving. Consumers increasingly expect instant issuance, intuitive digital controls and transparent pricing, while financial institutions face rising pressure from regulatory change, legacy infrastructure and digital-native competitors. To respond, issuers are rethinking their operating models and turning to Cards‑as‑a‑Service (CaaS) as a modern, cloud‑native alternative to traditional card issuing.

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  • Category: Whitepaper

    Digital-First by Design: How Asia is Redefining the Future of Payments

    Asia is setting the global standard for digital payments. With mobile-native consumers, real-time payment networks and modern cloud architecture, the region has rapidly shifted to digital-first financial services. Financial institutions are now redesigning their payment infrastructure to meet rising expectations, improve efficiency and stay competitive.

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  • Category: Whitepaper

    The Unstoppable Rise of Digital Wallets in Asia

    A financial revolution is sweeping across Southeast Asia, driven by the rapid adoption of digital wallets. This transformation, fuelled by high mobile penetration and a burgeoning digital economy, is reshaping how millions access and manage their finances. Digital wallets are no longer just for payments; they are evolving into comprehensive financial ecosystems that are central to the daily digital lives of consumers, with the number of users in the region projected to surpass 500 million by 2025. This shift presents immense opportunities for financial institutions to foster inclusion, drive innovation, and unlock new avenues for growth.

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  • Category: Whitepaper

    2024 SPARK Matrix for Card Management Systems (CMS) by QKS Group

    QKS Group conducted an in-depth analysis of major Card Management System (CMS) vendors by evaluating their products, market presence, and customer value proposition. The evaluation is based on primary research with expert interviews, analysis of use cases, and QKS Group's internal analysis of the overall CMS market.

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  • Category: Whitepaper

    2024 SPARK Matrix for Merchant Payment Platform (MPP) by QKS Group

    QKS Group conducted an in-depth analysis of major Merchant Payment Platform (MPP) vendors by evaluating their products, market presence, and customer value proposition. The evaluation is based on primary research with expert interviews, analysis of use cases, and QKS Group’s internal analysis of the overall market.

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  • Category: Whitepaper

    Payments Processing in the Cloud: Going Native

    This whitepaper is written to help Financial Institutions understand and prioritize cloud-based payments initiatives. Datos Insights' research highlights how to overcome the challenges that transitioning to the cloud may cause. It also examines how vendor partners can help ease the process.

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  • Category: Whitepaper

    Seamless Evolution: Transforming Financial Institutions with Cloud-Powered Digital-First Strategies for Enhanced Customer Experiences

    This eBook sets out the unique opportunity provided by cloud-based payment platforms for financial institutions (FIs) and merchants around the world as the payments industry moves toward a Digital-First delivery.

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  • Category: Whitepaper

    Cards as a Service: the key to card modernization

    This thought leadership paper by Aite-Novarica Group examines how banks cope with changes in a challenging environment and the options they have for updating their payment technology. It outlines current trends in retail payments and evaluates the need for banks to modernize their payment infrastructure by adopting the Cards-as-a-Service (CaaS) model.

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  • Category: Whitepaper

    The future of Banking

    This report outlines key trends that will impact the “bank of tomorrow” and recommends how financial institutions should adapt.

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  • Category: Whitepaper

    The Next Wave in Card Payments Technology in APAC

    Asia-Pacific’s (APAC) payments industry has outpaced all the other regions over the past decade. This region is also one of the largest contributors to global payments revenue, generating approximately $630 billion in 2020.

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  • Category: Whitepaper

    The Transformation of Banking and Payments Through Open APIs

    The Transformation of Open Banking and Payments Through Open APIs, commissioned by HPS and produced by Aite Group, analyzes the global trend to open application programming interface (API) banking and how banks can leverage the API economy to create value for their customers and generate new business.

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